Auto Insurance

The Region's Trusted Source for Auto Insurance
Proudly Serving Navasota, Hearne, Madisonville, College Station, Caldwell, Midway, & Bryan, TX

Insuring your car, truck, SUV, van, or other four-wheeled vehicle is an important and necessary measure to take to protect you and your family, should an accident occur. You can be as careful as possible and a wonderful driver, but everyone else on the road may not be as cautious. If you are looking for auto insurance in Navasota, Hearne, College Station, Bryan, Madisonville, Caldwell, or Midway, TX areas, then you have come to the right place.

Aright Insurance Agency has a variety of options for auto insurance or motorcycle insurance policies and coverage, and we will find one best suited to your needs and driving routines. Get the most coverage for the least amount of money through us. We are always on the lookout for your best interests!

EXPLORE OUR COMPREHENSIVE AUTO INSURANCE COVERAGE OPTIONS

Liability for Bodily Injury • Medical Expenses • Rental Car Reimbursement

Liability for Property Damage • Collision & Comprehensive Coverage

Uninsured & Under-Insured Motorist Coverage

What to Consider When Shopping for Car Insurance

If you're in the market for a car insurance policy in the College Station, TX area, consider the following points before you buy:

Your Rate

Many factors will go into determining your rate, including your driving record, where you live, your gender and age, marital status, prior insurance coverage, vehicle use, and your vehicle's make/model. Each company adopts its own rating system to determine your risk factor, so it's important to inquire about your rate.

What Does Your Plan Cover?

Not all car insurance plans are created equal. If you know you'll need a specific type of coverage, make sure you ask your representative about it to ensure it will be included in your policy.

Shop Around

Experts recommend checking with multiple car insurance companies to be sure that you are getting the best coverage at an affordable rate. That is why working with an independent local insurance agency is such a good idea: we can check multiple policies across some of the leading underwriters to make sure we find you the best available option.

The Importance of Car Insurance in Texas

According to data from the National Highway Traffic Safety Administration, each year in the U.S., there are more than 6 million car accidents. An automobile accident is more than an inconvenience, as the average property damage cost reaches almost $10,000, and accidents that cause disabling injuries, average out to over $80,000 per crash. Car insurance policies are put in place to protect you and cover any financial losses that may happen from operating a motor vehicle. With the right car insurance coverage, you will be protected from astronomical (and unexpected) expenses.

Your car insurance covers more than damage to your vehicle in the event of an accident: depending on who caused the accident, your insurance could cover damages to the other driver's car, as well as any medical bills that might be necessary as a result of the accident. If you don't have insurance and get into an accident, you could be on the hook for all of those expenses.

There are also acts of nature that can occur, such as hail storms or falling trees, that can cause damage to your vehicle, and it would cost a pretty penny to fix such things by paying out of pocket. You never know when an unavoidable accident could happen, and car insurance exists to protect you from such scenarios.

Beyond the fact that car insurance is there to protect you, it's legally required for you to have it. If you get into an accident without coverage, you will have to deal with legal penalties on top of the financial burden of repairing damages. These penalties could include fines, fees, and even jail time.

You don't even have to have been in an accident to face penalties for not having car insurance. If you are pulled over in the state of Texas, the officer will ask to see proof of insurance. Your license could also be suspended if you are found to not have insurance.

RELY ON OUR TEAM FOR FULL COVERAGE

Property – includes damage to or theft of your car

Liability – your legal responsibility to others for bodily injury or property damage

Medical – covers the cost of treating injuries, rehabilitation and sometimes lost wages, funeral expenses, and more

Is Auto Insurance Required in the College Station, TX Region?

Texas law requires all drivers to have adequate car insurance. According to state law, Texas drivers need to have minimum insurance coverages of $30,000 per injured person and at least $60,000 per accident. Texas drivers must also have coverage for property damage of at least $25,000. If you are financing your vehicle, and still owe money on your car, your lender will require you to have collision and comprehensive coverage. These requirements are simply the minimum required, and there is no guarantee that minimum coverage will address all the costs of recovery and repairs if you’re injured in an accident.

When you purchase an auto policy, you will receive a proof-of-insurance card. You must show this card when:

• A police officer asks you for it

• Get in an accident

• Register your car or renew your registration

• Get or renew your license

• Have your car inspected

Aright Insurance Agency can help set you up with reliable auto insurance in College Station and beyond.

Types of Auto Insurance Coverages

If you’re shopping for auto coverage, understanding the different types of auto insurance and their coverages is an important step in getting the policy that’s right for you.

Liability Coverage - Pays to repair the other driver’s vehicle if you caused the accident. Liability coverage has two components which are bodily injury liability and property damage liability. This helps pay for costs related to another person’s injuries or damage caused to someone’s property while driving.

Collision Coverage - pays to repair or replace your vehicle after you have been involved in an accident with another vehicle, or if you hit an object such as a fence.

Comprehensive Insurance - Pays if your car is stolen or damaged by fire, flood, hail, vandalism, or something other than a collision. Comprehensive coverage may also help pay to repair or replace your vehicle.

Personal Injury Protection (PIP) - PIP may help pay for medical expenses after an accident. It may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost wages.

Uninsured /Underinsured Motorist Protection - Covers you if you are in an accident caused by a driver who does not have insurance or whose insurance can’t pay for the full extent of the damage they caused.

What Should You Do After an Auto Accident?

If you were recently engaged in an automotive accident, you may feel disoriented and a bit overwhelmed. Take a deep breath. Once you ensure that nobody was injured in the crash, it's important to take stock of your surroundings and move your vehicle to a safe location. Next, it's recommended that you contact the police.

From there, you should gather information from all the parties involved in your accident. Be sure to collect the names, phone numbers, mailing addresses, and email addresses of the drivers, vehicle occupants, and witnesses at the scene. You should also take note of your current location, and make sure to snap photos of the vehicles involved in the crash, along with their license plate numbers. Once you collect insurance information from all other drivers, we urge you to contact one of our friendly representatives to report your claim!

Contact Your Local Insurance Agent in Bryan, TX Today!

Are you concerned about filing for car insurance because of an SR-22? If a judge told you to file an SR-22, call us right away. We have experience with this and will be able to help you. An SR-22 is a form/certificate that verifies your auto insurance. If you've incurred certain violations, you may need to add this to your policy until your driving record has been cleared of whatever infraction required it in the first place.

Get started on finding the best auto insurance policy with Aright Insurance Agency. If you live in the College Station, Bryan or Madisonville, TX area, book an appointment with our auto insurance agents today!

EXPLORE OUR INNOVATIVE SERVICE OPTIONS

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